Cheap Car Insurance
It's expensive to get car insurance in West Virginia!
Dang! West Virginia is definitely not one of the cheapest states for car insurance. Don't worry, we got your back!
At The Zebra we're all about helping you save money on car insurance. Our engine looks for the cheapest insurance provider to find the best fit for you and your vehicle. Since West Virginia might have cheaper premiums that makes our job a breeze! It's easy to get started—we just need some basic information to begin finding the best auto discounts for you.
What's the cheapest car insurance in West Virginia?
| Rank | Company Name | Avg. Annual Premium |
|---|---|---|
| 1 | Erie | $922 |
| 2 | The Hartford | $1,039 |
| 3 | State Auto | $1,241 |
| 4 | Westfield | $1,288 |
| 5 | USAA | $1,300 |
| 6 | Progressive | $1,509 |
| 7 | State Farm | $1,523 |
| 8 | Nationwide | $1,567 |
| 9 | Encompass | $1,604 |
| 10 | GEICO | $1,710 |
| 11 | Motorists Mutual | $1,768 |
| 12 | Safeco | $1,785 |
| 13 | Cal Casualty | $1,824 |
| 14 | Allstate | $2,276 |
| 15 | Liberty Mutual | $3,243 |
| 16 | Sentry | $3,884 |
Cheap Insurance for Good Drivers in West Virginia
Drivers with good driving records typically enjoy lower car insurance costs than drivers with histories of speeding tickets, at-fault accidents, or DUI citations. West Virginia drivers without a recent at-fault accident can save 34% on their car insurance premiums, on average — just a bit better than the 32% US average. In addition to earning a cheaper premium for driving incident-free, you may qualify for a safe-driving bonus through your car insurance company. The amount of these discounts may vary, but they typically run between 5 and 10%.
| Rating Factor | $ Savings | % Savings |
|---|---|---|
| No Traffic Tickets | $287 | 17.19% |
| No Accidents | $723 | 34.37% |
| Good Credit | $1,049 | 43.15% |
Cheap Insurance for Young Drivers in West Virginia
Young drivers — aged between 16 and 25 — pay very high car insurance rates, with those aged 16-19 paying the most expensive premiums of all. Because of the risk presented by inexperienced drivers, teen drivers pay more than three times the national average for car insurance. In West Virginia, the average teen driver pays $5,366 — approximately $400 per year more than the nationwide average and approximately three times more than an older West Virginia driver.
| Age | Annual Rate with Parents | Annual Rate Alone |
|---|---|---|
| 16 | $5,828 | $6,342 |
| 17 | $5,608 | $5,835 |
| 18 | $5,734 | $5,169 |
| 19 | $4,909 | $3,510 |
Cheap Car Insurance for Bad Drivers in West Virginia
If you have a clean driving record — no at-fault accidents, speeding tickets, DUIs, or other recent citations — you'll probably enjoy relatively cheap car insurance rates. Conversely, a bad driving record will cause your costs to skyrocket: car insurance premiums typically increase by 37% after a DUI, 34% after an at-fault accident, and 17% after a speeding ticket in West Virginia. The post-citation penalties assessed by car insurance companies in the Mountain State are similar to nationwide averages. If you have a clean driving history, be sure to inquire about your insurance company's safe driver discount.
| Rating Factor | Annual Rate | % Increase |
|---|---|---|
| At-Fault Accident | $2,105 | 34.37% |
| DUI | $2,227 | 37.96% |
| Speeding Violation | $1,668 | 17.19% |
| Bad Credit | $2,430 | 43.15% |
Car Insurance Laws
State minimum insurance requirements in West Virginia
In West Virginia, the state minimum coverage requirement is liability with limits of:
- Bodily Injury Liability $25,000 per person
- Bodily Injury Liability $50,000 per accident
- Property Damage Liability $25,000 per accident
Optional coverage in West Virginia (varies by carrier):
- Comprehensive
- Collision
- Loan/Lease Payoff
- Medical Payments
- Rental Car Reimbursement
- Roadside Assistance
- Uninsured/Underinsured Motorist Bodily Injury
- Uninsured/Underinsured Motorist Property Damage
Liability coverage is legally required in West Virginia and pays for injury and lost wages that you cause to another driver or their passengers as well as damage to the other driver’s vehicle in the event that you are considered “at fault” in an accident. The coverage limits are determined by each individual state and normally split into three categories. In West Virginia, the minimum is listed as 25/50/25 and explained below:
$25,000 bodily injury coverage per person. This is the maximum dollar amount that pays for a single person that you injure in an auto accident.
$50,000 bodily injury coverage per accident. This is the maximum dollar amount that pays for all injuries that you cause in an accident if more than one person is hurt.
$25,000 property damage per accident. This is the maximum dollar amount that pays for damage that you cause in an accident.
These numbers reflect the minimum limits required in West Virginia but higher coverage amounts are available with most companies.
Cheap West Virginia Car Insurance Companies
The Zebra compares over 200 companies & 1,800 products, so you can save way more than 15% and find the cheapest car insurance in West Virginia.
Car Insurance FAQs
Are digital insurance cards accepted in West Virginia?
What does this mean for you?
If you happen to find yourself pulled over by a police officer in West Virginia you won't have to rifle through your glovebox wondering if you remembered to replace that expired insurance card last month. Instead, you can provide proof of coverage with your smartphone.
Do I need uninsured motorist coverage in West Virginia?
Uninsured Drivers in West Virginia
8%
12%
Did you know?
Uninsured motorist coverage protects you from damage caused by other drivers without insurance and hit-and-runs.How much does car insurance cost in West Virginia cities?
Car insurance companies calculate your rate based on many factors, location of the vehicle being an important one. The cheapest car insurance is found in Martinsburg, West Virginia, and the most expensive in Elkins, West Virginia.
| Rank | City | Avg. Annual Premium |
|---|---|---|
| 1 | Elkins | $1,388 |
| 2 | Bluefield | $1,378 |
| 3 | Beckley | $1,378 |
| 4 | Princeton | $1,370 |
| 5 | Oak Hill | $1,362 |
| 6 | Pea Ridge | $1,349 |
| 7 | Cross Lanes | $1,340 |
| 8 | Huntington | $1,339 |
| 9 | Nitro | $1,338 |
| 10 | Dunbar | $1,337 |
| 11 | St. Albans | $1,336 |
| 12 | South Charleston | $1,324 |
| 13 | Charleston | $1,324 |
| 14 | Teays Valley | $1,322 |
| 15 | Parkersburg | $1,316 |
| 16 | Vienna | $1,310 |
| 17 | Moundsville | $1,289 |
| 18 | Fairmont | $1,276 |
| 19 | Bridgeport | $1,274 |
| 20 | Clarksburg | $1,271 |
| 21 | Wheeling | $1,265 |
| 22 | Cheat Lake | $1,263 |
| 23 | Weirton | $1,261 |
| 24 | Morgantown | $1,255 |
| 25 | Martinsburg | $1,212 |
Recent West Virginia Car Insurance Questions and Answers
At-fault driver lied about having insurance
What do I do if I was in an accident and the guy filed that he had insurance on the ...
How long into getting a new policy can I file a claim?
I just opened a policy 2 weeks ago and now I’m having issues with my engine. I found a dead ...
If I just purchased a vehicle, how many days do I have to insure it?
I just traded in my car and financed a new vehicle. The salesperson only asked for my proof of insurance, ...
How long do I have to add my new vehicle to my existing policy?
My current insurance policy is covering a vehicle that I just traded in for a new car. The salesperson only ...
Driving Laws
West Virginia Texting and Driving Laws
- Ban on hand-held cell phones
- Ban on all cell phones for drivers <18 years old with Learner or Intermediate Licenses
- Ban on text messaging for all drivers
Alcohol Related Fatalities
94
Per Year in West VirginiaAnnual DUI Arrests
West Virginia4,429
US Average23,438
DUI Legal Limit
0.08%
Blood Alcohol ContentAverage DUI Cost
10k
Nationally, For First OffendersWhat does this mean for you?
Driving with a blood alcohol content higher than the number above will put you at risk of being arrested for driving under the influence. If arrested you’ll face harsh consequences and may face varying degrees of jail time, fines, driver’s license suspensions, and reinstatement requirements.
If convicted of a DUI, you can expect the financial obligations to extend beyond the DUI ticket to court costs, attorney fees, higher insurance rates, and potentially the installation of a Ignition Interlock Device to serve as a breathalyzer test each time you start your vehicle.
